The median home in Oyster Bay, New York is valued at $989,702, up 7.0% year over year. Typical monthly rent is $3,770, producing a price-to-rent ratio of 21.9x — well above the national average of 18x. Oyster Bay is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$989,702

+7.0%

Rent$3,770/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$197,940 on $989,702

Example: $75,000 household income. Change it above to see your own.

Out of reach105.2% of income

Need $281,700/yr to afford.

PITI$6,573

P/I105.2%

Afford$263K

Gap-$726K

P&I $5,004Tax $1,419Ins $150

Renting $2,803/mo cheaper ($3,770 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Oyster Bay with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full New York-Newark-Jersey City, NY-NJ-PA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the New York-Newark-Jersey City, NY-NJ-PA metro.

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Oyster Bay, NY